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AXAxos Financial, Inc.
$98.48$5.6B
Overview & Verdict
Overview
Valuation & Forecasts
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Price & Analyst Data
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AX logoAxos Financial, Inc.(AX)Earnings, Financials & Key Ratios

AX•NYSE•Banking & Credit
$98.48
13.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryDigital banks and banking-as-a-service
AboutAxos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through Banking Business and Securities Business segments. The company offers deposits products, including consumer and business checking, demand, savings, time deposit, money market, zero balance, and insured cash sweep accounts. It also provides single family, multifamily, and commercial mortgage loans; commercial real estate secured loans; commercial and industrial non-real estate, asset-backed, lines of credit, and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and securities-backed loans. In addition, the company offers ACH origination, wire transfer, commercial check printing, business bill pay and account transfer; remote deposit capture, mobile deposit, lockbox, merchant, and online payment portal; concierge banking; mobile and text messaging banking; and payment services, as well as debit and credit cards, and digital wallets. Further, it provides disclosed clearing services; back-office services, such as record keeping, trade reporting, accounting, general back-office support, securities and margin lending, reorganization assistance, and custody of securities; and financing to brokerage customers. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.Show more
  • Net Interest Income$1.13B+17.3%
  • Total Revenue$1.93B+9.2%
  • Net Income$433M-3.8%
  • Return on Equity17.42%-18.6%
  • Net Interest Margin4.55%+8.2%
  • Efficiency Ratio29.68%+29.4%
  • ROA1.82%-12.8%
  • Equity / Assets10.82%+7.9%
  • Book Value per Share46.03+18.0%

AX Price & Volume

Axos Financial, Inc. (AX) stock price & volume — 10-year historical chart

Loading chart...

Severe Credit Deterioration Disrupts Axos Financial Performance

Investment Thesis • Updated 2026Q3

VerdictNegative
Growth:Contracting
Profitability:Strained
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Credit quality and provisioning

Key Thesis Takeaways

  • Axos Financial faces a critical inflection point as its core interest-earning capacity collapsed to zero in 2026Q3, marking a stark reversal from previous growth trends.
  • The surge in loan loss provisions to $227.1 million suggests significant underlying asset quality stress that threatens the bank's historical profitability.
  • Investors should exercise extreme caution as the company's negative $2.79 EPS and deteriorating cash flow metrics indicate structural vulnerabilities that may persist in the near term.

Verdict Logic

the company's transition to a net loss of $2.79 per share and the 100% collapse in net interest income signal fundamental risks that outweigh current valuation metrics.

AX Growth Metrics

Axos Financial, Inc. (AX) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years21.51%
5 Years21.87%
3 Years36.54%
TTM-

Profit CAGR

10 Years18%
5 Years18.74%
3 Years21.61%
TTM11.47%

EPS CAGR

10 Years18.68%
5 Years20.05%
3 Years23.23%
TTM-55.18%

Return on Capital

10 Years14.82%
5 Years15.7%
3 Years18.17%
Last Year18.13%

AX Recent Earnings

Axos Financial, Inc. (AX) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 30, 2026
Metric
Actual
Est
EPS
$1.90-10.8%
$2.13
Rev
$392M+5.3%
$373M
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$2.25+8.7%
$2.07
Rev
$385M+10.9%
$347M
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$2.07+11.3%
$1.86
Rev
$319M-4.9%
$336M
Q3 2025
Jul 30, 2025
Metric
Actual
Est
EPS
$1.94+6.6%
$1.82
Rev
$317M-1.1%
$321M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$1.90vs $2.13-10.8%
$392Mvs $373M+5.3%
Q1 2026Jan 29, 2026
$2.25vs $2.07+8.7%
$385Mvs $347M+10.9%
Q4 2025Oct 30, 2025
$2.07vs $1.86+11.3%
$319Mvs $336M-4.9%
Q3 2025Jul 30, 2025
$1.94vs $1.82+6.6%
$317Mvs $321M-1.1%
Based on last 12 quarters of dataView full earnings history →

Latest AX News

Recent stock market news and headlines for Axos Financial, Inc. (AX)

Business Wire·1 day ago
Axos Financial, Inc. to Acquire Arc Technologies, Inc.

LAS VEGAS--(BUSINESS WIRE)--Axos Nevada Holding, LLC, a subsidiary of Axos Financial, Inc. (“Axos” or the “Company”) announced that it has entered into a definitive agreement to acquire Arc Technologies, Inc. (“Arc”), a financial technology platform serving technology and growth companies. Founded in 2021, Arc provides integrated cash management, capital markets, and AI-powered financial software solutions through a unified platform designed to help businesses manage cash, access debt financing.

Invezz·Jun 25, 2026
Nikkei 225 Index nears crucial price as Kioxia, Tokyo Electron, Softbank stocks surge

The Nikkei 225 Index jumped and neared its all-time high as memory and semiconductor companies like Kioxia, Tokyo Electron, Advantest, and Keyence Corporation soared. It jumped by over 5% to 71,950, a few points below the all-time high of 72,781.

Business Wire·Jun 23, 2026
Axos Financial, Inc. to Announce Fourth Quarter Fiscal 2026 Results on July 30, 2026

LAS VEGAS--(BUSINESS WIRE)--Axos Financial, Inc. (NYSE: AX) (“Axos” or the "Company”), holding company for Axos Bank, Axos Clearing LLC, and Axos Invest, Inc., announced today that it will host a conference call on Thursday, July 30, 2026 at 5:00 PM ET (2:00 PM PT) to discuss financial results for the fourth quarter of fiscal year 2026 ended June 30, 2026.Executive management will discuss the Company's fourth quarter fiscal 2026 results on the call. The Company plans to distribute its earnings r.

Zacks Investment Research·Jun 17, 2026
Implied Volatility Surging for Axos Financial Stock Options

Investors need to pay close attention to AX stock based on the movements in the options market lately.

GuruFocus·Jun 17, 2026
Hitachi expands its work with OpenAI to accelerate AI-driven modernization and cybersecurity

- Hitachi and OpenAI's Forward Deployed Engineer (FDE) will begin developing AI solutions for legacy system modernization, starting with financial institutions,

Peers Comparison

Key metrics vs top competitors for Axos Financial, Inc. (AX)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
AX logoAXAxos Financial, Inc.Current
$98.48$5.58B13.259.16%22.44%17.42%—
WAL logoWALWestern Alliance Bancorporation
$81.82$8.93B9.375.17%17.35%12.4%—
CUBI logoCUBICustomers Bancorp, Inc.
$76.66$2.58B12.363.94%15.84%11.25%—
BANR logoBANRBanner Corporation
$67.33$2.29B11.94-0.95%24.82%10.66%—
ALLY logoALLYAlly Financial Inc.
$45.40$13.92B19.16-25.75%8.92%9.19%—
SLM logoSLMSLM Corporation
$25.08$4.97B7.254.1%33.13%31.01%—

Compare AX vs Peers

Axos Financial, Inc. (AX) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WAL

Most directly comparable listed peer for AX.

Scale Benchmark

vs FISV

Larger-name benchmark to compare AX against a more recognizable public peer.

Peer Set

Compare Top 5

vs WAL, CUBI, BANR, ALLY

AX SEC Filings & Documents

Axos Financial, Inc. (AX) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Mar 23, 2026·SEC

10-K Annual Reports

1
FY 2025

Aug 21, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 30, 2026·SEC

FY 2026

Jan 29, 2026·SEC

FY 2025

Oct 30, 2025·SEC

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AX Frequently Asked Questions

Axos Financial, Inc. (AX) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Axos Financial, Inc. growing?

Axos Financial, Inc. (AX) grew revenue by 9.2% over the past year. This is steady growth.

Is AX profitable?

Yes, Axos Financial, Inc. (AX) is profitable, generating $476.1M in net income for fiscal year 2025 (22.4% net margin).

Dividend & Returns
What is AX's return on equity?

Axos Financial, Inc. (AX) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.

Industry Metrics
What is Axos Financial, Inc.'s net interest margin?

Axos Financial, Inc. (AX) has a net interest margin (NIM) of 4.6%. This indicates healthy earnings from lending activities.

What is Axos Financial, Inc.'s efficiency ratio?

Axos Financial, Inc. (AX) has an efficiency ratio of 29.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in AX back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →